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Can the credit card be handled in two phases?
Of course. If the user can't repay the loan, he can choose the second installment. The second installment is divided into two situations, one is negotiated repayment, and the other is installment extension. Users should pay attention to the fact that there are restrictions on installment extension, and the original installment number of credit cards must be greater than the installment number. Negotiating repayment means negotiating with the bank, and users need to provide relevant materials and certificates.

Do I need to change the card number after the credit card expires?

No need. After the user's credit card expires, the bank will send the new card directly to the user's home. At the same time, the user's credit card number is still the same as before, and the credit card number will not be changed because of card change. If the user's card is degaussed or damaged, the credit card number will not change when changing the card. Under special circumstances, such as the user does not receive a new card from the bank in time, and chooses to send another card, the card number will change. This situation is equivalent to the user directly applying for a new credit card, then the card number will change.